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Most banks use the 28/36 rule to figure out how much your house payments should be. This means your monthly costs to service your housing payment should not be more than 28% of your gross income and the total of all your debt payments should not be more than 36% of your gross income. A general rule of thumb to get how much house you can afford is to multiply your annual salary by 3.5. In your case with a salary of $90000 you should be looking at houses in the $315,000 range. Assuming you make a down payment of 20% (recommended) you will still need to borrow about $252,000. Assuming an interest rate of 4.75% and an amortization of 25 years this works out to about $1,429.99 per month in mortgage costs. Your pre tax income per month is $7500. This means you will need about 19% of your pre tax income to service your mortgage costs alone. Factor in property taxes, insurance and utilities and this percentage will obviously climb and challenge that 28% that banks look at but this calculation is close to what you can expect in the real world. Good luck with your home purchase and make sure you save 20% down. If you only save 5% the bank will force you to take out an insurance policy on the debt increasing your monthly costs by a couple hundred dollars per month.

I am PETER EDISON from U.S.A .State. Nevada .City: Las Vegas,
Am married with two kids a boy and a girl between the age of 14 and 12 years old, my main aim for this mail is to ask u guys to help me thank Mr Wilfred Kelly, who help me with a loan. after i lost my job on the 22nd of the month of October 2014, I was stranded with know one to help me and my family. then i came across this God sent man called Wilfred Loans Ltd from the internet who use to help people in need of loan.I contacted him to help me with loan of $ 90,000 USD to enable me start sum small business so that i can be able to take care of my family,he accepted my application and he sent me the terms and condition for me to get the loan i accepted the terms and condition, after then my loan was transferred to my account. for those in need of loan please contact him via admin@ willfredloansltd.cu.cc or customercare@ willfredloansltd.cu.cc.

If you make 80,000 a year and have no debt, do you have any credit at all? I would recommend talking to a customer service rep at your local bank or a mortgage broker. They will request your credit scores and let you know in plain English what you qualify for and if you have NO credit, what you can do to remedy that and get the best credit score you can before you commit to a mortgage with high interest rates because you don`t have any credit. A home mortgage is something you should not jump into just because it`s a want. Sometimes it takes years to set yourself up to get the best deal that could save you hundreds of thousands of dollars over 30 years. With an interest rate of 6.5% on a 90,000 mortgage will end up costing you over 205,000 over 30 years. you need the best interest rate you can get. If you work hard to establish good credit you will do yourself the best service that you can do. Good Luck!

Are you seeking for a legitimate lender from the internet? My name is Laura, from Edmonton Alberta.please i want to advice you to beware of loan from the China and any part of Malaysia because they are all scammers. I have been scammed over 6 times until i came across a loan company from United State.
They are so wonderful and serious minded company. I would advice you contact them if you need a loan of any kind(personal or business) because i got a loan from them without any stress after meeting their requirement. Their contact info is: www.dennishopkinsfinance.de.vu or dennishopkins_financehome@ live.com.

You want to know about house how much can you afford then It should be stressed that 3.5 x annual earnings is the high end of what you should be looking at when considering a housing purchase If you make $65000 per year. It`s better to leverage as little as you can unless you like paying interest to the bank. Buy a little smaller house, save more down payment and amortize over the shortest period possible to put your best foot forward. For more help contact your insurance company they will suggest you very well. I hope so this helps you a lot.

I would consult a local mortgage broker. Their job is to match all your income and credit information to a mortgage you can afford. They can tell you the figure you qualify for, if you need a co-signer, what type of mrtgage would be best to suit your needs, who has the best interest rates, fixed rates vs. variable rates, and the best part, they normally do not charge a fee inless they get you into a mortgage so they work really hard to find you information that you would not normally be privy to. Good Luck!

You need to figure out what your needs are vs. what your wants are, and listing everything on paper is a great way to figure that out. How many bedrooms do you need? Bathrooms? Sq. footage, location, cost of utilities in that area, etc. Make a list of the bills you have now and see what you are left with at the end of the month. Your rent should idealy be about 1/3 of your monthly income and not more or you may find yourself strapped tight to make the rent. Good Luck.

If you are looking for a house within your salary range, do calculate your expenses and savings. it depends on you that how you manage your monthly expenditure and imstallments. if you are earning 100 000 per year you can go to the bank and show them your final income. usually banks allow you to buy the house upto 2 or 3 times your income. if you are running a house with kids it will be difficult for you to manage a high priced house.

If you make 65000 per year and want to know about house how much can you afford then It should be stressed that 3.5 x annual earnings is the high end of what you should be looking at when considering a housing purchase. It`s better to leverage as little as you can unless you like paying interest to the bank. Buy a little smaller house, save more down payment and amortize over the shortest period possible to put your best foot forward.

I saw your question regarding a loan. I got a loan from a legitimate money lender some days ago.i will refer you to a genuine money lender. They are legitimate and God Fearing. You can apply with them.i had a positive experience with Dennis Hopkins Finance Home. Email: dennishopkins_financehome@ live.com Tel USA +12404374240 USA +12092314524 Tel:UK +447509546091.

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